OohPooPahDoo
Gold Member
Far as I know it's a single group rateI only pay copays.
My employer pays 100% of my premiums and my company has an ACA waiver
Does he pay higher premiums for his smoking employees?
RIght, but if he winds up with a lot of smokers there will be more claims and that may prompt the insurance company to jack the rate up. With a group they are looking to post a net profit (as opposed to an individual where obviously its expected that numerous individual policies will result in a net loss)